 I'm just trying to oversimplify it, but that's pretty much it. It can be confusing, so don't get too sideways on it. If you're not sure how to invest the Roth account, come visit with us. Let us have a crack at it. Even if you don't become a client, we can at least give you some direction on it and maybe make some recommendations to you that are going to make it a little bit easier.